Re: Credit karma- transrisk or vantage ?

They aren't used by lenders, hence what's the point in the score?

I'll give you an example why. With the Transrisk on CK, you only get AAoA for open accounts. So, say you have been paying a mortgage off for 30 years. As soon as you pay it off, that positive TL is gone, you get no credit for it whatsoever.

With FICO, you will still get that positive TL for another 10 years, adding to your AAoA and strengthening your CR.

So, is it not prudent to show that information to a potential creditor?

Re: Credit karma- transrisk or vantage ?

Not to counterpoint what Shogun is saying but if your goal is to repair your credit, then most FAKOs will serve that purpose. Just find one (like Credit Karma) that you will check over and over as you make repairs to your credit. Something that will allow you to check your progress.

If you're looking for a measuring stick for credit approval, then stick to what Shogun said.

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Many factors affect your FICO Scores and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.
FTC's website on credit.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.